My son is currently in class 12....scores 50% on Allen JEE advance tests conducted by Allen what's the hope in getting into IIT or NIT...what's the next choice ..He is in senior ranking group and mostly gets 7 - 10th rank of 13 students

Ans: Prefer KIIT-B over SRM-C. All the BEST.

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Ans: Rajkumar Sir, Prefer KIIT-ECE. All the BEST for Your Daughter's Bright Future.

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Ans: Order of Preference (1) KIIT-CSE (2) MANIPAL-Jaipur-CSE & (3) BV-ECE. All the BEST.

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Ans: Prefer KIIT-CSE over IEM-ECE. All the BEST.

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Ans: Prefer LPU over MIT-WPU. All the BEST.

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Ans: Dear Anonymous,
I truly believe that distance can drive a huge gap between two people in a relationship. Long distance relationships (LDRs) are not for everyone and if someone is into something like this, they would have or must have an honest chat about it.
Not being able to be in the company of one another, not being able to share their day with the other, not being able to communicate as often as they want can lead them to become their own person and highly independent not really missing their partner. It can also lead them to find other pair/pairs of ears almost replacing their partner at that moment. Repeating this over time can lead to romantic associations outside of the relationship as well.

Now, what could have caused your wife to take a step to be isolated from you, only you will know...and what has made you wait for 5 years to actually realize that something must be done about this?

Anyway, talk to your wife...I mean, how long can she avoid you? Meet her at a common place, like at your parents' place so that it does not flare up into a big thing. Take the opportunity to try and win your family back. Maybe it was a simple misunderstanding that caused all of this. Only when you try to find out, will you know, yeah?

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

Ans: Dear Anonymous,
There is not much information from you for me to work on and suggest something effective.
- When you say bonding is becoming worst. what exactly happens?
- 3-4 years back, your girl would have been what. 4 or 5, what could have gone wrong?

Parenting is a lot of work and the responsibility of making it work in the early years is that of a parent. My suggestion would be is to go to someone who is professionally capable and wait for things to work. The professional will suggest a lot of activities for both, the parent and the child to do as tasks at home. I hope all this was done.
Do not be in a hurry as bringing the relationship to a good space takes time. Also, on your part at home, observe when specifically there is a bout of unpleasant behavior from her; it will be something specific.
Children cry out for attention in different ways; observe and you will be able to set things right as a parent. (This is all I can suggest with the little information that I have from you). Hope this helps...

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

Ans: Understanding Your Investment Goals
At 45, your financial goals are likely focused on retirement planning and wealth preservation. It's crucial to align your investments with these goals.

Reviewing Your Current Funds
You've been investing in HSBC Flexi Cap Fund and Invesco India Midcap Fund for 13 years. These funds have given you exposure to both large-cap and mid-cap stocks.

Performance Evaluation
Evaluate the performance of these funds. Check their returns, consistency, and performance against benchmarks. If they have consistently outperformed, they might still be good choices.

Risk Assessment
Assess the risk associated with your current funds. Mid-cap funds can be more volatile compared to flexi-cap funds. Ensure this risk aligns with your risk tolerance.


You've done a commendable job by investing regularly for 13 years. It shows your discipline and commitment to building wealth.

Should You Continue or Shift?
Reasons to Continue
Consistent Performance: If your funds have shown consistent performance, you may want to continue.
Low Exit Load: Exiting a fund with a low exit load or after the exit load period can save you money.
Familiarity: You're familiar with these funds and their performance trends.
Reasons to Shift
Underperformance: If the funds have underperformed compared to peers, it might be time to switch.
Changing Goals: If your financial goals or risk tolerance have changed, you may need different funds.
Market Conditions: Adapting to changing market conditions can sometimes warrant a shift in funds.
Evaluating Alternatives
If you decide to shift, consider funds that align with your goals. Evaluate their performance, risk, and consistency. Diversify across large-cap, mid-cap, and multi-cap funds.

Advantages of Actively Managed Funds
Active Management Benefits
Actively managed funds have fund managers who make strategic decisions to outperform benchmarks. They can adapt to market conditions better than index funds.

Flexibility
Actively managed funds can move in and out of sectors or stocks based on performance and market trends. This flexibility can lead to better returns.

Disadvantages of Index Funds
No Flexibility: Index funds stick to a predetermined portfolio, regardless of market conditions.
Average Returns: They aim to match, not beat, the index, leading to average returns.
Limited Downside Protection: In a downturn, index funds fall with the market, without any active measures to mitigate losses.
Personalized Recommendations
Aligning with Goals
Select funds that align with your retirement goals and risk tolerance. Consider a mix of large-cap, multi-cap, and balanced funds for a diversified portfolio.

Regular Reviews
Regularly review and rebalance your portfolio. Adjust your investments based on market conditions, fund performance, and changes in your financial goals.

Consulting a Certified Financial Planner
Consult a Certified Financial Planner (CFP) for personalized advice. They can provide tailored recommendations based on a comprehensive analysis of your financial situation.

Diversifying Your Investments
Balanced Funds
Balanced funds invest in a mix of equities and debt. They provide stability and growth, making them suitable for retirement planning.

Large-cap Funds
Large-cap funds invest in well-established companies. They offer stability and consistent returns, ideal for conservative investors.

Multi-cap Funds
Multi-cap funds invest across large, mid, and small-cap stocks. They provide diversification and potential for higher returns.

Debt Funds
Debt funds invest in fixed-income securities. They offer stability and are less volatile compared to equity funds.

International Funds
Consider international funds for geographic diversification. They provide exposure to global markets and reduce country-specific risks.

Final Insights
You've done well by investing regularly for 13 years. Evaluating your current funds and considering alternatives is wise as you approach retirement. Systematic Withdrawal Plans (SWPs) offer many benefits, including higher returns, tax efficiency, flexibility, and inflation protection. Diversify your portfolio across balanced, large-cap, multi-cap, debt, and international funds. Regularly review your investments and consult a Certified Financial Planner for personalized advice. This comprehensive approach will help you achieve your retirement goals and financial security.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in

Ans: Importance of Regular Income Payout After Retirement
Financial Stability
Regular income ensures financial stability post-retirement. It covers daily expenses, medical bills, and lifestyle needs without depleting savings.

Peace of Mind
Knowing you have a steady income stream provides peace of mind. It allows you to enjoy retirement without constant financial worries.

Inflation Protection
A regular income helps combat inflation. With rising costs, a fixed income ensures you can maintain your standard of living.

Independence
Having a reliable income allows you to be financially independent. You won't need to rely on family members for financial support.

Health and Well-being
Financial stress can impact health. A regular income contributes to better health and well-being by reducing financial anxiety.

Are Mutual Funds the Only Way to Create a Corpus?
Diversification is Key
While mutual funds are an excellent option, they shouldn't be the only investment. Diversifying across different asset classes reduces risk and enhances returns.

Other Investment Options
Fixed Deposits (FDs): Safe and secure, offering fixed returns.
Public Provident Fund (PPF): Long-term savings with tax benefits.
National Savings Certificate (NSC): Safe investment with fixed returns and tax benefits.
Employee Provident Fund (EPF): For salaried individuals, offering tax benefits and compounded returns.
Real Estate: Can provide rental income, though not recommended as the primary option.
Creating a Fixed Monthly Income
Systematic Withdrawal Plans (SWPs)
SWPs in mutual funds allow you to withdraw a fixed amount regularly. It's a good way to generate monthly income while keeping the corpus invested.

Senior Citizens' Saving Scheme (SCSS)
SCSS is a government-backed scheme offering regular interest payouts. It’s a secure option with decent returns for senior citizens.

Post Office Monthly Income Scheme (POMIS)
POMIS is another government-backed scheme providing fixed monthly income. It’s low-risk and suitable for conservative investors.

Annuity Plans
Annuity plans from insurance companies provide regular payouts. You invest a lump sum and receive a fixed monthly income for life.

Dividend-paying Stocks or Funds
Investing in dividend-paying stocks or funds can provide regular income. However, dividends can fluctuate, so it's not as predictable as other options.

Rental Income
If you own property, rental income can be a steady source of funds. Ensure you account for maintenance and vacancy risks.

Fixed Income Securities
Bonds and debentures offer fixed interest payments. Consider high-quality corporate or government bonds for regular income.

Why SWP Can Outbeat Other Options
Flexibility
SWPs offer greater flexibility compared to other options. You can choose the amount and frequency of withdrawals, adjusting based on your needs.

Potential for Higher Returns
Investing in mutual funds through SWPs can offer higher returns than fixed deposits or POMIS. This is due to the equity component, which can outperform over the long term.

Tax Efficiency
SWPs are tax-efficient. Only the capital gains portion of each withdrawal is taxed, unlike fixed deposits where the entire interest is taxable.

Inflation Protection
SWPs in equity mutual funds provide a hedge against inflation. Equities typically outperform inflation over the long run, maintaining your purchasing power.

Customizable Payouts
You can customize SWP payouts to suit your financial needs. This is not possible with annuities or fixed deposits, which have fixed payouts.

Capital Appreciation
While providing regular income, SWPs also allow for capital appreciation. Your remaining corpus continues to grow, offering long-term benefits.

Professional Management
Mutual funds are professionally managed. Fund managers actively manage the portfolio to optimize returns, unlike fixed income or real estate where you need to manage yourself.

Liquidity
SWPs offer better liquidity compared to other fixed-income options. You can stop or change withdrawals anytime without penalties.

Balancing Risk and Return
Diversified Portfolio
Create a diversified portfolio combining various income sources. This reduces risk and ensures a stable income stream.

Regular Reviews
Regularly review your investment portfolio. Adjust based on changes in your financial situation, market conditions, and inflation.

Professional Guidance
Consult a Certified Financial Planner (CFP) for personalized advice. They can help you create a balanced, diversified retirement income plan.

Final Insights
A regular income post-retirement is crucial for financial stability, peace of mind, and independence. While mutual funds are a great option, diversify your investments across various asset classes. Consider SWPs, SCSS, POMIS, annuities, dividend-paying stocks, rental income, and fixed income securities. SWPs, with their flexibility, potential for higher returns, tax efficiency, and inflation protection, stand out as a superior option. Regularly review and adjust your portfolio with professional guidance to ensure a secure and comfortable retirement.

Best Regards,

K. Ramalingam, MBA, CFP

Chief Financial Planner

www.holisticinvestment.in